Agricultural Finance in Yorkshire

Agricultural machinery finance

Agricultural machinery finance covers the equipment a farm cannot work without: tractors, combines, balers, sprayers, telehandlers and handling systems. Because the machine holds its value and acts as security, agricultural finance is often available on better terms than unsecured borrowing of the same size.

Tractor finance

Tractor finance is the most common request we see. New or used, main dealer or private sale, the lender will look at the make, hours and age alongside the farm’s trading position. Longer terms are usually available than on lighter equipment because a well-maintained tractor stays valuable.

Farm machinery finance and seasonal repayments

Farm machinery finance does not have to mean equal monthly payments. Several lenders on our panel offer annual or harvest-linked profiles, so the bulk of the repayment falls when the money actually arrives. If cash flow is the constraint rather than affordability, say so — it changes which lenders we approach.

Farm equipment finance and diversification

Farm equipment finance also covers grain dryers, handling and storage, livestock housing and renewables. Diversification projects — holiday lets, farm shops, events — can often be funded on the strength of the wider business rather than the new venture alone.

What lenders assess on farm machinery

Agricultural lenders look at the machine, the land and the trading pattern. Owned acreage strengthens an application considerably; tenanted holdings are funded routinely but the tenancy term matters. Subsidy income counts as income, and a diversified holding with several revenue streams is viewed more favourably than one dependent on a single crop.

Buying at farm sales and auction

A great deal of farm machinery changes hands at dispersal sales, and those do not wait for a finance decision. Get a figure agreed before the sale so you know your ceiling and can settle inside the terms. Send us the lot details in advance and we will tell you what is fundable.

Contractors and contract farming

Agricultural contractors have a different profile from owner-occupiers: higher machinery utilisation, contract income rather than crop income, and a replacement cycle driven by hours. Several lenders on our panel prefer contractor business precisely because the utilisation is documented.

Horsebox finance

Horsebox finance — or horse box finance, however you spell it — sits between vehicle and equestrian lending, and not every lender is comfortable with it. We fund horseboxes for private owners, competition yards and commercial transporters, new or used, on hire purchase or lease.

Fencing, forestry and timber

Estates, fencing contractors and farm woodland businesses run kit that sits outside mainstream agricultural lending — post knockers and post drivers, wood chippers, forestry winches and sawmills. We fund all of it, including diversification into milling your own timber. See tree surgery, forestry and sawmill finance for how those assets are assessed.

What to send us

Send us the machine details and roughly when your income arrives across the year. We will come back with which lenders will fund it and whether a seasonal or harvest-linked profile is achievable. If it is a dispersal sale, tell us the date and we will work to it. No credit check to ask.